Note: I wrote this a week or so ago, but decided to sit on it to ponder whether I was perhaps over-reacting, but the developing pattern of chipping away at the SSDI (check out this excellent summary by Kimberly Powell to get up to date), hastened by its sudden disappearance from RootsWeb, has prompted me to share this.
By now, you may well have tripped across one of the horrifying articles or news segments about thieves who are stealing the identities of deceased children and claiming them as dependents on their taxes. It’s heartless targeting recently bereaved parents this way, so we all naturally want to do something to address the problem, which is why Rep. Sam Johnson and Senators Dick Durbin, Bill Nelson and Sherrod Brown have all signed on in support of an initiative to end public access to the Social Security Administration’s Death Master File (frequently referred to as the SSDI, Social Security Death Index) which is now available online. Rep. Johnson has recently introduced the “Keeping IDs Safe Act of 2011” or “KIDS Act” for just this purpose.
Just one problem. Removing this database won’t put a dent in the problem. In fact, it will make it far worse.
Before going any further, I need to admit my bias. Most reading this are aware that I’m a genealogist and that this database is, along with census records, the most heavily used of all resources by genealogists across the country. I’m not exaggerating to say that it’s critical to our research and that we would all be severely handicapped without it.
“So what?,” many are likely thinking. “Genealogy is a hobby. How can you possibly weigh the pain of these parents against the needs of genealogists? No contest.”
And that’s exactly why I hesitated before writing this. But upon further consideration, I’ve decided that it’s time to speak up. You see, genealogists have been getting pounded over the past decade. In recent years, we’ve been fighting an uphill battle to retain access to records that have long been open to the public. It’s a bit of a whack-a-mole situation. As soon as we deal with an access-denial proposal in Massachusetts, another one crops up in Virginia.
It tends to be an easy victory for proponents of these efforts who cite fraud and terrorism as the reason for pulling records. No one’s for identity theft, much less terrorism, so there’s rarely any opposition, but the reality is that almost all of these initiatives address symptoms rather than root causes and that all of us are as exposed as ever. The only difference is that each instance renders genealogy more difficult, and oh, by the way, makes the United States a less free nation (apologies for that mini-rant, but I happen to be a fan of democracy).
Just a couple of weeks ago, a Presidential Memorandum for Managing Government Records, designed to “improve performance and promote openness and accountability,” declared that, “good records management is the backbone of open government.” But the pattern across the country is clearly one of closing doors, with the Death Master File threatening to become the latest example.
So before supporting Congress in this latest attempt to curtail access, please consider the following:
- The true purpose of the Death Master File is neatly summarized in this article, which explains that, “Assuming the identity of a dead person has long been a favorite ploy of criminals. Everyday, “dead” people apply for credit cards, file for tax refunds, try to buy guns and any number of other fraudulent activities. Sometimes they get away with it. More often, however, they are foiled by the Death Master file.” In other words, the very reason this database is made public is so that everyone – corporations, government agencies, and even small business owners like myself – can protect themselves against fraud. If, for instance, the IRS were to routinely run Social Security numbers included in tax returns against the death index, they might avoid giving refunds to deceased individuals. In fact, the credit card industry has made a habit of using the index to do this, as well as to reject applications that appear to be from children.
- Cyber-security reporter Gerry Smith’s recent jaw-dropping account of child identity theft reveals that, “researchers at Carnegie Mellon University earlier this year found the identity theft rate among children (10.2 percent) was 51 times higher than among adults (0.2 percent) in the same population.” Moreover, “an estimated 500,000 children have had their identities stolen by a parent.” To get some sense of scale, I tried to find figures on families victimized by fraudulent tax filers using deceased children’s identities and the only number I could find was in this article which mentions 28. While obviously understated, there’s quite a gap between 28 and half a million, which raises a question of priorities and the potential impact of proposed legislation.
- No one seems to be asking the important question of how many cases of identity theft the Death Master File prevents. Limiting access to the index might help plug the hole of these specific deceased-child cases, but will do nothing to prevent theft by parents and will create a gusher of fraud in general by removing one of the most effective deterrents. Actual identity thieves are likely delighted at the prospect of having this important impediment to their “work” eliminated. Likewise, I would expect that at least some in the security/privacy industry would welcome the fresh business opportunities the absence of this tool would afford them.
- Taking the database offline would only have an impact if criminals were not clever enough to find this information in other ways. I, for one, would much rather see Congress address ways to prevent them from buying information from underpaid government employees such as the recent case involving workers at the New Jersey Motor Vehicle Commission. And dare I mention that the database has been sold on CD or DVD for years with unknown quantities in circulation, making slightly outdated versions available to criminals regardless?
Finally, I think it important to point out that barring access to the Death Master File would not only negatively affect genealogy hobbyists, but also bring about unfortunate side effects that few have likely contemplated. By way of example, I assist the Army with repatriation cases involving soldiers who are still unaccounted for from past conflicts. The loss of this database would make it much more difficult to locate their next of kin and relatives who could provide DNA samples to aid in their identification. Earlier today, I turned to the index to help coroners find family members of several unclaimed persons – people who would otherwise be cremated or buried without their loves ones ever knowing. This quiet epidemic would explode far beyond its current proportions without benefit of this database. And on occasion, it’s been essential in cold case assistance I’ve provided to police departments, NCIS and the FBI. These are some of the invisible trade-offs that no one seems to have given any thought to.
In short, pulling the Death Master File offline would do little to improve the very real and heart-breaking problem it’s attempting to address, but would do considerable damage in other ways. I know it sounds like an easy fix, but I would ask those involved to carefully think through the true impact and ramifications of the proposals they’re pondering to find a better solution. And I would ask others who are as concerned as I am to reach out to members of Congress, particularly those mentioned at the outset of this article.
N.B. You may find this related posting of interest: Social Security Administration extends FOIA restriction to 100 years
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All this fuss about one dead child’s identity being claimed on tax returns… I have friends who adopted two twin girls. Every year, every single year for more than a decade, they have to fight the IRS to claim their daughters because one of the birth parents keeps claiming them. It’s not just about the dead being claimed inappropriately. One case of it happening should not shut down access to the database to everyone else. This is just another case of the government overreacting to one event and making life more difficult for everyone else when they’re not even solving a problem. Just think of the TSA for another example.
I agree that we need to do something about those that are getting away with using the information as their own. Companies should be held responsible for making sure the information given to them is current.
A year or so ago Unclaimed Persons uncovered an identity theft in one of its cases *because we had access to the SSDI* and the coroner was able to inform the gentleman that his identity had been compromised. The coroner’s response: “This would have never been discovered without the help of your staff. This could have caused many additional problems for the real [name redacted]. [Issuing] A death certificate with his name could have interfered with his insurance, disability, retirement, SS benefits- the list goes on.”
Rather than a bill to take away public access of the SSDI, there needs to be a massive educational campaign so that governmental agencies, banks, loan companies, IRS, and others can use it to its full intended purpose and potential. Because these folks DON’T know how to use it properly, access is denied to all? The SSDI is a daily resource in my Navy POW/MIA cases and in probate, oil and gas royalty work, etc. If the SSN is the problem, genealogical publishers can not include that field.
Megan, from your angst to your conclusions, I agree with you 100%; well thought out and makes a compelling case.
I sent out letters to my U.S. senators and representative. Do genealogists have any lobbyists in Washington, D.C.?
I don’t believe I have EVER seen a child’s name listed in the SSDI…. but I haven’t really searched for one, either.
So what is wrong with leaving all the information in the SSDI ….EXCEPT, DON’T show a SS# ?
I know that I had mentioned this website years ago at a neighborhood watch meeting, and the response from police authorities at the meeting stated it was a good database to use to prove the use of “stealing” social securities of deceased.
Will be sending letters to my US reps and senators as well… and DC,,, is just down the road. Their spending time on this instead, of facing more important issues of our Nation, is aggrevating….but that is what polititians do best…aggrevate.
Here in Georgia we are fighting battles on several fronts. The Georgia Archives budget has been cut so severely that the facility is open to the public only two days a week, the fewest hours of any archives in the nation. In order to get a death certificate now, you have to prove you are a direct descendant of the deceased. There simply are not enough people and resources to deal with all the threats to records’ access.
The problem with this is if one wishes to order a copy without the # – how is the Social Security Admin going to handle this?
Identity theft occurs whether the person is alive or not. This link on rootsweb had been there for 10 years. All of a sudden as of this week it has disappeared. I have never seen any children on there as a child doesn’t collect social security. Actually I agree in that the site would help to find out that there is theft going on. If an adult is in the system and looked up and found in the system then it would be more concrete proof that identity theft would have been committed. The information is public as I was just told by a employee of Social Security when I called to inquire about something else I asked about this.
@Claire V Brisson-Banks
You can still order the SS5 without a SS#, but if I remember right, they charge you extra to search for the person. And with the new changes, how valuable is the SS5 going to be, as it sounds like now they are removing the parents names from your copy if the person was born in the last 100 years. That’s why I order them, to confirm the parents when I can’t find another way to confirm the info. So frustrating!
Why arent there flags within the different goverenment agencies to make them aware that the social security number being used is for a dead person? Now, anyone can use any social security number, and it will take longer, and a whole lot of money, man power, and maybe loss of revenue, to figure out of the number used was correct or not.
Many medical facilities (doctors offices, etc) used this site to see if patients they havent seen in a while is dead or not. It saves the family additional heartache of receiving a letter or a phone call reminding them to come in for an appointment, that they wont be able to keep.
I agree with other writers here, my children’s social security number was used e every tax time, I gave birth to them, and didnt file right away. I never got child support, no assistance, nothing, but my ex-husband and his family filed their numbers, all the time, and I never received any help, and I complained all the time. I am glad they are grown now. And they are all alive!
A facebook group https://www.facebook.com/occupygenealogy and a website http://www.occupygenealogy.com/index.html have been started for those who would like to work together to preserve access to the SSDI. All are welcome to join.
I just send back the one I order. Because he was born in 1918. His father 1875 and mother 1885 or 1890. And there still felt tip the names of the parents out. that was what I needed the names. SS is the last thing that I do because of the money.
Thank you Megan for all the hard work you do.
Most Genealogists are checking family from long ago. It wasnt until
recently children even were required to have a SS#. Plus what anc.com
etc. are doing is removing names from the SS files that were formerly
listed. Also I noted in the 2010 census, almost no information was
required(back in 1900, 1910, 1930 you could find the person,s occupation,
address, etc. With the tiny information I provided in 2010, Genealogists
down the road are going to have it very tough to find any of their
family after 1930. In the end as anc.com is removing names of deceased
persons formally listed, let them explain to us what they are doing
rather than we have to read nonsense comments as to why your
loved one isnt listed.
Most of this would not be happening if the SSA had not begun to assign SS# at birth. I did not get my SS# until I was 15 yrs old and began to work for local grocer. The government screws things up and then punishes the researcher for their screwup. No one has addressed the hacker who can hack out a complete SSDI at anythime they wish. I have spoken with a hacker here in FL who tells me no one can deny him access to SSDI. The mass education process about the need for SSDI should be moving to the forefront.